capital one travel notice

Do you need to set up travel alerts on your credit cards?

Whether you have two or 22 travel rewards credit cards in your wallet, chances are you enjoy hitting the road. Unfortunately, it can be extremely frustrating when your card gets flagged while traveling, and you're suddenly unable to use it. While it's great when an issuer correctly flags unauthorized account activity as fraudulent, the opposite is true when the issuer inadvertently prevents you from swiping a card.

Thankfully, most major issuers no longer require users to set travel alerts ahead of time.

In this guide, we'll walk through the details for different cards so you know what to expect before your trip.

What is a travel alert?

Before diving into issuer-specific guidelines, let's start with a quick overview of what a travel alert is and why this is important.

Most of today's credit cards have mechanisms to prevent fraud and abuse. When an issuer notices unusual account activity, it may flag it as potentially fraudulent. This happened to me when an unauthorized individual called Chase and inputted the full 16-digit account number of my Chase Freedom Unlimited. I immediately requested a new card, preventing the thief from actually using the compromised card number — a minor inconvenience but not a significant hassle.

However, this protection can also kick in if you try to use a card abroad or in an area of the U.S. that's far from your primary residence. Suppose you've spent months (or even years) swiping a card solely within a specific area and then you suddenly try to use it in another state or country. In that case, this activity might get flagged — and it could be a substantial roadblock to continuing your trip. If you haven't set up your cellphone to work abroad — or if you're in an area with limited service — there may be no quick way to let the issuer know that the purchase is (in fact) valid and authorized.

If you notify the issuer ahead of time, a sudden charge in another part of the country or the world (one that you specifically said you'd be visiting during the given time period) won't be flagged. This allows you to continue swiping your card and — most importantly — keep enjoying your trip.

So, how exactly do you do this? As noted above, many major credit card issuers no longer require proactive travel alerts ahead of time — but let's go through some of the largest ones.

Related: Best credit cards with no foreign transaction fees

How to set American Express travel alerts

Amex doesn't require you to set up travel alerts. In fact, if you log in to your account at AmericanExpress.com, you won't even see this as an option. Here's the rationale, per the issuer's FAQ page on the topic:

We use industry-leading fraud detection capabilities that help us recognize when our card members are traveling, so you don't need to notify us before you travel.

It does suggest that you keep updated contact information on your account and download the Amex app before your trip. However, you shouldn't have any trouble using your cards when traveling.

Applicable cards include: American Express® Gold Card , The Platinum Card® from American Express , Marriott Bonvoy Brilliant® American Express® Card , The Business Platinum® Card from American Express .

How to set Bank of America travel alerts

Like Amex, Bank of America no longer requires travel alerts ahead of time. If you search in the Help & Support center, you'll see the following message:

You no longer need to let us know when you travel. We monitor your accounts and will send automatic alerts if we detect suspicious activity. Should you need us while traveling, call the number on the back of your card anytime.

TIP: It's important that your email address and mobile phone number are up to date on your account profile, so we can notify you quickly about unusual activity.

Note that this applies to both credit and debit cards associated with your Bank of America login, which can be nice if you're planning to withdraw money from an ATM using your debit card.

Applicable cards include : Alaska Airlines Visa Signature® credit card , Bank of America® Premium Rewards® credit card .

How to set Capital One travel alerts

Capital One uses the same approach as American Express — you don't need to set these up in advance. When you log in to your Capital One account and click on the "I Want To…" button, you'll see what appears to be an option to set a travel notification. However, when you click on it, you'll receive the following message:

With the added security of your Capital One chip card, travel notifications are no longer needed on your credit card. That's right! You don't have to tell us when and where you're traveling, inside or outside the United States. Your credit card is 100% covered for fraud while you're traveling and we will alert you if we see anything suspicious.

You're covered by $0 Fraud Liability on unauthorized charges. Remember that none of Capital One's credit cards impose foreign transaction fees for purchases made abroad.

Applicable cards: Capital One Venture X Rewards Credit Card (see rates and fees ), Capital One Venture Rewards Credit Card (see rates and fees ), Capital One SavorOne Cash Rewards Credit Card (see rates and fees ), Capital One Spark Miles for Business (see rates and fees ).

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How to set Chase travel alerts

Chase offers a wide variety of valuable credit cards, including many that you may want to use when traveling. Like previous issuers on the list, you no longer need to proactively set up travel notifications ahead of your trip. When you log in to your Chase account, you'll still see the "Travel notification" option under account services, but here's the message you'll find there:

We've got you covered! With our enhanced security measures:

• You don't need to set up travel notifications anymore.
• We'll send you fraud alerts if we see any possible identity theft.
• We'll alert you if we notice any suspicious behavior on your account.

Applicable cards include: Chase Sapphire Reserve® , Chase Sapphire Preferred Card® , World of Hyatt Credit Card , United℠ Explorer Card , Aeroplan Credit Card® , Ink Business Preferred® Credit Card .

How to set Citi travel alerts

Unlike previous issuers, Citi still allows you to set up travel notifications on your credit cards. Here's how to do so:

BRIAN KELLY/THE POINTS GUY

• Log in to your account at citi.com
• Hover over "Services" at the top, then click on "Travel Services"
• Click on "Add a Travel Notice"
• Select the applicable cardholders, enter your dates, then click "Next"
• Review the details, then click "Confirm"

Note that you don't even need to select the individual destination (or destinations) you're visiting. The only required pieces of information are the cardholders who'll be on the trip (including authorized users ) and the dates of the trip.

Applicable cards include: Citi Strata Premier℠ Card (see rates and fees ), Citi Rewards+® Card (see rates and fees ), Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees ).

What if a travel alert doesn't work?

Unfortunately, even the advanced technology credit card issuers use nowadays isn't guaranteed. There may be certain instances where a legitimate transaction is flagged as potentially fraudulent, especially when traveling. Alternatively, an issuer may require an extra verification step before approving a purchase instead of being declined immediately. This especially applies to many online transactions thanks to 3D card security measures .

This is one reason why it's critical to have updated contact information on file with your card issuers and a working mobile phone when you're outside the country. This ensures that you can complete any verification requests in a timely fashion.

It's also critical to always have at least one backup credit card in your wallet when traveling (or load alternate options into your mobile wallet ). Ideally, this card would be from a different card issuer and work with a different payment network, which minimizes the chance that neither card will work.

Related: Best travel credit cards

Bottom line

From full flights to weather delays to traffic, travel can be stressful — and that's without any financial issues. Fortunately, most major credit card issuers no longer require advance travel notices on your accounts. However, you should still carry at least one backup payment method in case your primary card is declined. It's also critical to have a working phone number to receive email or text notifications when things go wrong.

If you want to maintain your ability to swipe your favorite travel rewards credit cards on your next trip, follow these instructions before you depart.

How to Set a Travel Notice for Your Credit Cards

Susan Shain

Susan is a freelance writer who specializes in turning complex financial topics into engaging and accessible articles. She's been writing about personal finance for six years, and was previously the senior writer at The Penny Hoarder and a staff writer at Student Loan Hero. Her personal finance writing has also appeared in publications like MarketWatch and Lifehacker.

When I worked at a ski rental shop in Breckenridge, Colorado, I witnessed many international (and some out-of-state) customers’ credit cards get declined.

Not because their credit limits were too low or because they were purchasing too much — but because they failed to set up travel notifications with their card issuers.

So now, any time I travel to a foreign country, I always set up a travel notice on my credit card beforehand.

Since I travel with the Chase Sapphire Reserve® (Review), I create a Chase travel notice, but you can take this step with most major credit or debit cards. Here’s how.

What Is a Credit Card Travel Notice?

As a way to prevent fraud , your credit card issuer monitors your spending activity. If it notices a suspicious purchase — in an unusually large amount, or from a new location — it may decline the transaction. This could be more likely in countries where fraud is a bigger problem.

Which is why the answer to the question “Should I notify my credit card company when traveling?” is usually yes.

Although you can often get away with shopping in another state without triggering a red flag, international travel is another story. 

By notifying your credit card of your travel plans, you’ll reduce the chances of getting your transaction declined in the checkout line — which, trust me, is never fun — and having to call your card issuer to verify your purchases. It’s still possible to have your purchases declined after setting a travel notice, but it’s much less likely.

How to Set Up Travel Notices for 8 Major Credit Card Issuers

Ready to create your first travel alert? While you could call your card issuer, it’s easier to do it online.

Here’s how to set up travel notices with eight different credit card issuers.

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Chase travel notice

Because of the company’s abundant travel perks and partnership with the Visa network — which is widely accepted worldwide — Chase cards are a favorite among globetrotters.

You can create Chase travel notifications up to a year in advance for credit cards, and up to 14 days for debit cards. Your travel dates can span an entire year — if you’re away for longer, you’ll simply have to adjust your dates once you’re on the road. Chase will have your request on file within 24 hours from the time you submit.

To set up Chase travel notifications, you’ll need to log in to your account and click on the credit card you plan to use. Under the “Things you can do” dropdown menu on the right, you’ll see the “Travel notification” option. That will take you to your “Profile & Settings” page, where you’ll be able to create a travel alert.

Insider tip

Depending on the type of Chase account you have, the process may be slightly different for you. In any case, just look for your “Profile & Settings” page, and then look for a button to set a travel notice.

Alternatively, if you’re already outside the country, you can call Chase collect at 1-302-594-8200 to alert the issuer of your travel plans.

Setting up a travel notice with the Chase bank app

After logging in to the Chase mobile app, tap the profile icon (this should appear as the outline of a person) and select “My settings.” Choose “Travel” within the settings menu and tap “Update” near any credit or debit card products you’ll be taking.

This will allow you to enter the details for your upcoming trip, which can be edited at a later time. Saving this information will successfully set up a travel notice.

Our favorite Chase travel card: While many Chase credit cards are adventure-ready, we’d recommend the Chase Sapphire Preferred® Card for new travelers. Not only does it earn 2X Chase Ultimate Rewards points per dollar on travel, but you’ll also get a great introductory bonus: 60,000 bonus points after spending $4,000 on purchases in the first 3 months. You’ll also earn 5X Ultimate Rewards points per dollar on Lyft rides and travel purchased through Chase Ultimate Rewards. You can transfer the points you earn to a variety of airline and hotel loyalty programs. The Sapphire Preferred has a $95 annual fee.

American Express travel notice

Surprise! You actually can’t create an Amex travel notice.

On its site, the issuer says it uses “industry-leading fraud detection capabilities” that help it recognize when you’re on the road, thereby eliminating the need to create an American Express travel notification.

The issuer does recommend you update your contact information, so it can reach you in case of any complications, and download the Amex app, so you can manage your account on the go.

Note that Amex credit cards aren’t as widely accepted across the globe. If you’re a frequent international traveler, we’d recommend looking for a card with a Visa or Mastercard logo instead because they’re accepted by most merchants.

Our favorite American Express travel card: For its $695 Rates & Fees annual fee, The Platinum Card® from American Express offers a slew of travel perks. They include extensive airport lounge access; 5X Membership Rewards points per dollar on eligible flights and hotels (starting 1/1/21, on up to $500,000 spent per calendar year); and up to $200 in Uber credits per year. Its introductory bonus is Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu..

Capital One travel notice

As with Amex, there’s no need to set a travel notice for Capital One credit cards.

If you log in and click “Set Travel Notification,” you’ll be greeted by this window:

The issuer, long popular with international travelers for its lack of foreign transaction fees, says: “With the added security of your Capital One chip card, travel notifications are no longer needed on your credit card.”

It notes Capital One will cover you with its $0 fraud liability policy, and will also be on the lookout for any suspicious activity.

Our favorite Capital One travel card: The Capital One Venture Rewards Credit Card is a fantastic, easy-to-use travel rewards card, offering 2X Venture miles per dollar on everything. The introductory bonus is 60,000 bonus miles for spending $3,000 in the first 3 months. It comes with a $95 annual fee.

Bank of America travel notice

Ready to travel with your Bank of America card? Log in to your account, and in the menu at the top right, you’ll see “Help & Support.”

Hover over those words, and a drop-down menu will appear. Click on “Set Travel Notice” — and voila! You’ll be able to add your travel dates and destinations, as well as extra details about your trip, like any planned layovers.

Setting a travel notice with Bank of America.

Bank of America cards allow you to set travel notices up to 60 days in advance, and they can last for up to 90 days. If you’ll be traveling longer than that you’ll need to adjust your travel notice later on.

Our favorite Bank of America travel credit card: If you don’t want to pay an annual fee, the Bank of America® Travel Rewards Credit Card might work for you. You’ll earn 3X points per dollar at the Bank of America travel center and 1.5X points on everything else. After you make $1,000 in purchases in the first 90 days, you’ll earn 25,000 points — enough for a $250 statement credit toward travel purchases.

Citi travel notice

If you have a Citi credit card, the first step is to log in to your account.

Then you should hover over the “Services” button in the menu, and then select “Travel Services.” Next you can select “Manage Travel Notices,” before selecting the card for which you want to set a notice. Unlike some other issuers, you’ll need to set a separate notice for each card you plan to travel with.

Citi advises making sure your contact information is up to date before traveling, and also to download the Citi Mobile App to more easily monitor your account.

Here’s what setting a Citi travel notice looks like:

Setting a travel notice with Citi.

Then, once you fill out your destination and dates and verify your info, you’ll be good to go!

Our favorite Citi travel credit card: The offers a generous 3X ThankYou points per dollar on air travel and at gas stations, restaurants, supermarkets, and hotels. You can earn None. There’s a None annual fee to pay for this card.

Discover travel notice

Although Discover credit cards aren’t the best for traveling internationally, as they aren’t accepted as widely as Visa or Mastercard, you should still set up a travel notice if you bring your Discover card overseas.

You can do this from your online account by selecting “Manage” at the top of your screen, then clicking “Manage Cards” and then “Register Travel.”

Setting a travel notice with Discover.

Our favorite Discover travel card: For a card with no annual fee, the Discover it® Miles isn’t a bad choice. You’ll get 1.5X miles per dollar spent on everything, with double your miles at the end of your first cardholder year.

PNC travel notice

If you have a PNC credit or debit card, the bank recommends you set up a travel notice, explaining: “You typically use your card at local merchants and online, but suddenly you’re buying tapas in Madrid or sushi in Tokyo. This unexpected activity is what triggers the alert. Although less likely, this kind of predicament also can happen when traveling domestically.”

To notify PNC, you can either call the financial institution at 1-888-PNC-BANK or set up an alert online. After logging in to your account, you’ll select: “Customer Service” –> “Account Services” –> “Debit/ATM Card Services” –> “Edit/View Preferences.”

Then, in the bottom right corner of your screen, you’ll see an option to “Notify PNC of Foreign Travel.” After filling it out with your dates, destinations, and phone number, you’ll be ready to go.

Recommended PNC travel credit card: Like the BofA card, the PNC Premier Traveler® Visa Signature® isn’t the best option out there — but it’s fine for PNC loyalists. It offers a 30,000-mile introductory bonus when you spend $3,000 in the first three billing cycles, and 2X miles per dollar spent on everything. Its $85 annual fee is waived the first year.

Wells Fargo travel notice

If you’d like to tell Wells Fargo of your travel plans, you can either call the number on the back of your card, use the bank’s mobile app, or log in to your online account.

If you choose the latter method, you’ll hover over the “Accounts” dropdown menu, then click on “Manage Cards” –> “Manage Travel Plans.” As with the other issuers, you’ll enter your dates and destinations before submitting.

Recommended Wells Fargo travel credit card:  There aren’t any Wells Fargo travel cards at the moment.

If you’d prefer a Visa card from Wells Fargo for traveling, consider the Wells Fargo Active Cash℠ Card . It offers 2% cash back on everything you buy, with a solid introductory bonus, but it also has a foreign transaction fee.

4 Things to Consider When Choosing a Travel Credit Card

If you’re looking for another piece of plastic to add to your wallet, here are four things to consider when choosing the best travel rewards credit card:

• Foreign transaction fees:  Some credit cards charge a 3% fee for making purchases in a foreign currency. If you plan to travel abroad, make sure your chosen card has no foreign transaction fees.
• Annual fees:  Many of the top-tier travel rewards credit cards have hefty annual fees. But before getting scared off, see if the card offers any credits or benifits that offset it. For example, while the Chase Sapphire Reserve® has a $550 annual fee, it also offers a $300 annual travel credit that applies toward flights, car rentals, and even Lyft rides.
• Rewards and perks:  One of the most compelling reasons to get a travel credit card is the opportunity to earn points and miles that you can exchange for free travel. So take a look at your potential card’s introductory bonus and earning ability. You should also read the fine print to learn all about its travel perks, which might include airport lounge access or travel insurance.
• Loyalty programs: The majority of hotel chains and airlines have co-branded cards that earn additional rewards when you spend money with them. So if you are loyal to a particular brand, it’s wise to consider the co-branded options. For hotel cards, examples include the IHG® Rewards Club Premier Credit Card, Marriott Bonvoy Boundless™ Credit Card, and The World of Hyatt Credit Card. For airline cards, you can choose from options like the United℠ Explorer Card or Southwest Rapid Rewards® Plus Credit Card.

Whichever card you choose, be sure to set a travel notice before you board your next train or cruise or flight — and then enjoy your vacation free of worries!

You don’t have to stick to “travel credit cards” just because you want to, you know, travel with your credit card. As long as you set up a travel notification when you go, you can use any card you’d like. So, in case they’re a better fit, here are links to the best cash back, balance transfer, and 0% intro APR credit cards.

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How to Set Up Credit Card Travel Notifications

Putting a travel notification on your credit card may prevent a major travel headache.

Set Up Credit Card Travel Notifications

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Travel notifications prevent a credit card issuer from flagging a purchase you make out of the country as fraudulent.

You might be ready for an upcoming trip, but is your credit card? Depending on your card issuer, you might need to set up a travel notification for your account.

Adding a card travel notification is easy. For most credit cards, you'll follow these steps:

• Call your credit card company, log in to its website or access its app.
• Share your travel dates and locations, if applicable.
• Submit and verify your travel notification.

This will help you avoid potential hassles and embarrassing situations when you're away.

What Are Travel Notifications?

A travel notification is essentially a setting you activate on your credit card account. "Basically, you're just telling the credit card issuer you're going to be using the card outside of the normal places you (use it). That way, they don't think someone stole your credit card," says Simon Zhen, research analyst at personal finance website MyBankTracker.com.

If you're on a road trip, you could make a card purchase in one town and then try to shop in another distant location but have your card rejected. Dan Hanks, senior vice president of credit card loyalty and servicing at PNC Bank, says if a transaction appears to be fraudulent, it may be declined, even if it is a legitimate purchase. Purchase location is just one factor credit card companies consider when flagging fraudulent transactions .

"If a customer suddenly starts using a card in a place they've never been, especially in another country, it doesn't mean we'll decline them, but it increases the chance we might stop the transaction if we think it's fraud," Hanks says.

Transactions may be marked as fraudulent and your card deactivated as a precaution, particularly if your issuer can't reach you to confirm them. If you only bring one credit card on your trip, you may have a major problem on your hands. Luckily, setting up a travel notification before you leave is an easy solution.

How to Set Up Travel Notifications

A travel notification usually requires you to provide your planned destinations and trip dates to your credit card issuer. With that information, the issuer has more knowledge to weed out fraudulent transactions from legitimate ones.

You usually have a few options to set up a travel notification. First, you can call the card issuer. "Look on the back of the card, and you can find the phone number to call. You just tell the customer service rep that you'll be traveling," Zhen says. If you prefer digital communication, you can typically set up a travel notification through the credit card company's website or app.

Each credit card company has its own travel notification policies. While many companies allow you to set up travel notifications, others may not need you to tell them about your travel plans. Below are the policies of major credit card issuers:

American Express does not request travel notifications, citing industry-leading fraud detection capabilities.

Bank of America allows you to create a travel notice up to 60 days before your trip, and it can last up to 90 days from the first day of your excursion. With one travel notice, you can set up multiple itineraries for various cards. You must provide Bank of America a contact number for when you're away from home. You can also supply details about where you'll be staying, any planned layovers and other information that may help the company monitor your account for fraud while you're traveling.

According to Barclays , a travel notification is not mandatory, but it could be wise to avoid declined purchases simply because you are traveling abroad or to a different part of the U.S. Contact the bank by phone, or access your account online or with the Barclays app to set up a notification. If you will be traveling for more than 365 days, connect with the bank by phone to set up a notification.

Capital One doesn't need notification of travel plans because of the added security of the bank's chip cards.

Chase lets you set up a travel notification up to a year before your trip. The notification can last up to 90 days. You can apply the notification to multiple cards simultaneously and list multiple destinations.

Citi permits you to add a travel notification up to 180 days before your journey and up to 89 days after your trip begins. You can set the notification for more than one card and report several destinations with one travel notification.

Discover advises setting up a notification before you embark on a trip abroad. Your travel start date can be up to 24 months in the future, and travel notifications can last up to 24 months.

PNC Bank suggests notifying it of the locations and dates of your planned travel to help eliminate phone calls to confirm your account activities. You can create travel notifications up to two years before you depart, and notifications can last up to 30 days. If your travel plans exceed 30 days, you can set up more than one travel alert.

USAA recommends a travel notification to reduce the chance of your card being blocked or flagged for unusual activity. You can set up a notification up to one year before your trip, and the notification will last up to one year from your departure. USAA does not request travel destinations.

U.S. Bank allows you to establish a travel notification for any trip within the next 90 days. Notifications can last up to 90 days. If your travel plans exceed 90 days, you can set up an additional notification at a later date.

Wells Fargo favors notification of when and where you plan to travel. Wells Fargo's travel notifications do not have any time-based restrictions, so you can set up your travel alert for as long as you'll be away and not have to set up subsequent ones.

Overall, setting up a travel notification doesn't have a downside for the customer, Hanks says. Making travel notifications easy to activate is in a credit card company's best interest. And notifications reduce the chance that a real transaction may be classified as fraudulent, which makes everyone happier.

Don't Forget About Debit Cards

"Some people set up a travel notification on a credit card but forget to set one up on their debit card," Zhen says.

While credit cards offer many protections that can be useful when traveling, especially abroad, some people may still plan to use their debit cards. If you do, make sure you set up a travel notification on your debit cards, too, so your purchases on those cards don't get flagged as fraudulent transactions when you're on your next trip.

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Do i need to notify a credit card company when traveling.

If you have planned travel coming up, alerting your credit card issuers about your vacation plans can help to ensure that your charges aren't declined when you arrive. Here's how you can prepare yourself and your credit card for your next trip.

What is a credit card travel notice?

A travel notice is an alert to your credit card issuer that you'll be going on a trip to a different location. By giving this notice in advance, you're letting your credit card company know that you may be making charges from a different state or country.

Why should you notify your credit card company  of travel?

Credit card companies check cardholders' accounts for any unusual or suspicious activity when a transaction occurs. If your company sees a charge from a location away from home, your issuer may think this is suspicious activity and decline the charge. If you're visiting a country or location where fraudulent charges occur more often, the chances of your credit card getting declined are higher when you don't alert your credit card issuer about your travel.

Do you need to notify your credit card  company?

You're not required to notify your credit card company when you're going away on vacation, but it is highly recommended. By letting your credit card company know where you're going and for how long, your company will know that any card transactions from that location were likely authorized by you. Check with your credit card issuer to see if they have travel notification capabilities.

Traveling outside your city

If you're traveling to an area not far from home, it's unlikely that any credit card charges will be declined, so setting a travel notification may not be a necessity.

Traveling outside your state

As you travel further from home, the chance of charges being declined is higher. If you're visiting another state, you can notify your credit card company that you're going away to avoid any hassles as you travel.

Traveling outside your country

You should definitely consider filing a travel notice for every trip outside your country. If you don't file a travel alert with your card issuer, your credit card may get declined and you might need to contact your credit card company to approve your transactions. If you're in a different country you may have trouble with making an international call, an inconvenience that can prevent you from authorizing your charge and enjoying your trip.

Which credit cards require a travel notice?

Not all credit card companies recommend that you set a travel notice before you go away, including those with EMV chips that may provide added security when you travel. If your credit card doesn't have an EMV chip, you should contact your bank before you leave to make sure your trip goes smoothly.

Multiple credit cards

If you own multiple credit cards, you should set travel notifications for each of the cards you plan to use on vacation. Even if you plan to use one of the cards only in case of emergency, set a travel alert for it just in case.

Risks of not filing a credit card travel notice

If you don't give your credit card issuer a travel notice, the company won't know that you'll be making purchases in a new location. If the company starts to see charges on your credit card from a different state or country, it may flag these transactions as fraud. The credit card issuer may then put your account on hold and prevent you from making any purchases until you can authorize the charges.

Once a credit card is declined, the cardholder has to call the issuer or provide an app verification in order to prove that the purchase made was authorized. You may have difficulties contacting your bank for various reasons, such as if your vacation spot has bad cell service or if you didn't set up international calling for your phone plan. Notifying your credit card company before you leave on vacation will help you avoid this hassle.

How to notify your credit card company of travel

You can notify your credit card issuer about your vacation over the phone, online, through a mobile app or in person. You can also contact your credit card issuer to get a better understanding of how to set a travel notice.

Setting your travel notice online or through a mobile app

Setting your travel notification online or through an app can be easier than speaking with customer service, depending on your preferences. Log into your account on your credit card company's website or app and search for “travel notice" options. If you're unable to find where to set your travel notice, get in contact with your credit card issuer.

Setting your travel notice over the phone or in-person

To set a travel alert for your credit card over the phone, call the number on the back of your card to get in touch with your bank. The customer service line will either let you speak to a representative on the phone or work with an automated system. If you have any questions or concerns about your travel notice, calling your credit card company is a good method to set the notification.

If you want to set your travel notice in person, go to your nearest branch to meet with a representative. Meeting face-to-face gives you the chance to ask any questions you might have.

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How Capital One takes business travel rewards to the next level

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Travel is a key component for many businesses. The right travel card can elevate your business travel for you and your employees and unlock exclusive benefits and bonuses that reward you for your loyalty and spending.

If you’re looking for a business card that meets your enterprise’s next-level needs, the Capital One Venture X Business card might be for you.

From rewards for both everyday spending and travel purchases to flexible redemption options, loyalty bonuses and exclusive benefits for cardholders, the Venture X Business card offers a seamless way for you and your employees to spend more, earn more and take travel to the next level.

Capital One Venture X Business card offers:

• Rewards for all purchases: Earn 2X Miles on every purchase. Plus, get 5X miles for flights and 10X miles for hotels and rental cars when you book through Capital One Travel
• Flexible redemption: Earn miles with no caps, blackout or expiration dates, and redeem through Capital One Travel or one of its 15+ transfer partners¹
• Business-grade capabilities: Access tools for your business such as free employee cards, billing integrations, high security features and more²
• Elevated travel benefits: Skip the lines with TSA PreCheck or Global Entry. Plus, enjoy unlimited complimentary access to 1300+ lounges, including Capital One Lounges and the Partner Lounge Network³

¹ Terms and conditions for the receiving loyalty program and Capital One Rewards program apply.

²To receive a statement credit up to $100, you must use your Venture X Business card to either complete the Global Entry application and pay the current application fee, or complete the TSA PreCheck® application and pay the current application fee. Credit will appear within two billing cycles, and will apply to whichever program is applied for first. One statement credit per account every four years, and your account must be open and in good standing when the credit is applied. Refer to the Application or Account Terms for additional details.

³Lounge access is not guaranteed and is subject to space availability. Terms apply and are subject to change. Learn more about Capital One Lounges at: https://capitalonetravel.com/lounges/capital-one-lounges

Spend more, earn more

The Venture X Business card rewards cardholders with travel miles for every dollar you spend. Both travel and everyday purchases can rack up your miles. With the option to spend your rewards flexibly, you know that every mile you earn can be put where you want it.

For every purchase made on the Venture X Business card — from both cardholders and authorized users — you’ll earn 2X miles with no limits, blackout dates or restrictions. Anything from office supplies to a night on the town can earn you miles on your account.

The rewards don’t stop there. Cardholders who book their flights through Capital One Travel, Capital One’s exclusive travel portal, earn 5X miles for every dollar they spend. Hotel and rental car bookings through Capital One Travel earn 10X miles, meaning that a hotel booking that costs $500 can net you 5,000 miles in one go. All of these miles are unlimited, meaning there’s no cap on how many rewards you can earn.

One of the key benefits for Capital One cardholders are the flexible spending features that come with earning rewards. The Venture X Business card has no preset spending limit, no rewards limits and no foreign transaction fees. Cardholders can earn from anywhere at any time, and spend their rewards with Capital One’s network of partners .

Key reward features of the Venture X Business card include:

• 2X miles on every dollar spent on everyday items
• 5X miles on flights booked through the Capital One Travel
• 10X miles for hotel and rental car bookings through the Capital One Travel
• No mile caps, spending limit or blackout dates

Rewards that pack a punch

Earning rewards is just the beginning. The Venture X Business card offers high-impact redemption options that reward you for your spending, as well as lucrative bonuses for cardholders.

Venture X Business miles can be redeemed through a variety of channels to cover flights, hotels, rental cars, travel packages and other expenses around the globe. Cardholders can choose between booking through Capital One Travel, which offers exclusive deals and bonuses for travel booking, or through one of Capital One’s 15+ transfer miles partners.

Plus, with the “ purchase eraser” feature , you can enjoy the flexibility of using your miles to cover travel purchases that have been made in the last 90 days, giving you the chance to reduce or wipe out eligible travel balances on your card bill.

Both newcomers to the Venture X Business card and loyal cardholders can earn further rewards. First-time Venture X Business account holders can earn 150,000 miles once you spend $30,000 in the first 3 months from account opening. This means your authorized users can help you earn toward that bonus.

The Venture X Business card also rewards continuous account holders with a $300 annual credit toward bookings on Capital One Travel and a 10,000 mile annual bonus for every card anniversary.*

Miles don’t expire and there are no blackout dates for booking, keeping your options flexible all year round.

Venture X miles are incremental in value, meaning the more you spend, the more value you’re earning toward purchasing travel packages, hotel stays, flights and more. Every mile has a flat value with no caps, so your rewards will have the same impact no matter what your balance is.

• Redemption options through Capital One Travel and 15+ transfer partners
• Incremental value miles that don’t expire
• 150,000 miles once you spend $30,000 in the first 3 months from account opening
• A 10,000 mile anniversary bonus with a $300 annual credit toward Capital One travel bookings⁴

⁴ Annually, eligible Venture X primary account holders will receive a $300 Capital One Travel credit (“Credit”) to use toward purchases made through Capital One Travel. Each annual Credit will expire on the next account open date anniversary. The Credit will be available within Capital One Travel and can be applied to purchases at checkout. The Credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the Credit. If the purchase using the Credit is canceled, the Credit will be restored if it is not expired. An expired Credit will not be restored upon cancellation. A Venture X card account must be open and in good standing to receive or use the Credit.

Benefits that support your business

The Venture X Business card isn’t just a card for travel — it’s a card that can fit seamlessly into your business. Capital One offers features that can not only support your business travel, but elevate it.

Account holders for the Venture X Business card can issue unlimited, free employee cards to authorized users with customizable spend limits on each card.

Capital One Business also offers the ability to easily make all of your vendor payments in one place with Pay Vendors. Use your Venture X Business card to pay vendors, even those that don’t accept cards. Choose how you’d like to pay – by card for a 2.9 percent fee or by bank transfer for free – and pay your vendor your way.

The Venture X Business card can also fit seamlessly into your business accounts. Account holders can securely download purchase records into several accounting, billing and balance formats including Quicken, Quickbooks and Excel. Plus, business owners can get an itemized report of cardholder spending to simplify budgeting and tax filing.

Finally, Capital One is dedicated to transaction and card security. They offer virtual cards that allow you to make online purchases without needing a physical card or exposing the card number to merchants, adding a layer of security in the event of a breach or a data leak.⁵

Capital One also offers fraud protection with card lock features, $0 liability for unauthorized charges⁶ and security and fraud alerts if there is suspicious activity detected on the account. This keeps you, your employees and your card funds safe, no matter where you go.

Key business features of the Venture X Business card include:

• Unlimited free employee cards
• Purchase records for Quicken, Quickbooks, and Excel formats
• Virtual card options for additional security
• Flexible vendor pay options
• Fraud protection and $0 liability for unauthorized charges

⁵Some customers will not be eligible to access a virtual card. If you are eligible, you must verify your identity before accessing your virtual card. In some cases, you will not be able to access your virtual card until approximately 30 days after account opening. Virtual cards may not be accepted by all merchants.

⁶Claims of unauthorized use are subject to verification and investigation. Accountholder may be responsible for transactions by other employees who use the account.

Access to Capital One exclusive benefits

The Venture X Business card goes beyond travel rewards. Being a Capital One Business cardholder unlocks exclusive benefits for travel, booking and more.

One of the key benefits for Capital One members is Capital One Travel , a hub for booking travel, redeeming card rewards and finding exclusive travel deals year-round. Capital One helps you hunt for the best deal by offering price prediction tools, alerting you when the best prices are coming up and offering price drop protection credits if the price dips after booking.⁷

Capital One Travel regularly price-matches for hotel bookings and other expenses, matching or beating prices of other booking services such as Expedia. Price match guarantees it will match your price if you find a better deal.⁸

Cardholders can link their airline loyalty accounts and earn loyalty miles for their favorite brands, while earning 5X Venture X miles on airline travel and 10X miles on rental car and hotel bookings through the Capital One Travel Portal.

Capital One also has your back when you’re on the go. Cardholders can access Capital One Lounges in airports with over 1,300 partner lounges available for unlimited and complimentary access for Venture X Business cardholders. Primary cardholders can enjoy an up to $100 statement credit on TSA PreCheck or Global Entry for faster and easier airport passage.²

Key benefits of the Venture X Business card include:

• Access to Capital One Travel for exclusive deals, price drop protection, bonuses and more
• Capital One Lounge and partner lounge access
• An up to $100 statement credit on TSA PreCheck orGlobal Entry

⁷Capital One Travel bookings include services such as price freeze, change a flight after you book, price prediction, price watch, price drop protection, and price match guarantee. Additional fees may apply. The availability of these services varies by account and they may not be available on all bookings. Terms apply. See travel.capitalone.com/terms-of-service for details.

⁸Capital One Travel’s price match guarantee is available on eligible flight, hotel and rental car purchases made through Capital One Travel if you find a qualifying, cheaper itinerary elsewhere and let us know within 24 hours of booking. If applicable, Capital One will issue you a travel credit for the difference. Perks and qualifying activities vary by location and are subject to availability. Price matching before and after you book may not be available on all reservations. Terms apply. See https://travel.capitalone.com/terms-of-service for details.

The bottom line

The Capital One Venture X Business card can unlock a myriad of benefits for you, your business and your employees with elevated travel rewards that don’t expire, business features that offer flexibility and seamless integration into your business accounts and exclusive access to Capital One’s travel benefits.

Leveling up travel for your business means leveling up your business travel card. If the Capital One Venture X Business card and its rewards sound right for your business, learn more on the Capital One Venture X Business card website.

Annual fee $395, terms and conditions apply.

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Out of the Centre

Savvino-storozhevsky monastery and museum.

Zvenigorod's most famous sight is the Savvino-Storozhevsky Monastery, which was founded in 1398 by the monk Savva from the Troitse-Sergieva Lavra, at the invitation and with the support of Prince Yury Dmitrievich of Zvenigorod. Savva was later canonised as St Sabbas (Savva) of Storozhev. The monastery late flourished under the reign of Tsar Alexis, who chose the monastery as his family church and often went on pilgrimage there and made lots of donations to it. Most of the monastery’s buildings date from this time. The monastery is heavily fortified with thick walls and six towers, the most impressive of which is the Krasny Tower which also serves as the eastern entrance. The monastery was closed in 1918 and only reopened in 1995. In 1998 Patriarch Alexius II took part in a service to return the relics of St Sabbas to the monastery. Today the monastery has the status of a stauropegic monastery, which is second in status to a lavra. In addition to being a working monastery, it also holds the Zvenigorod Historical, Architectural and Art Museum.

Belfry and Neighbouring Churches

Located near the main entrance is the monastery's belfry which is perhaps the calling card of the monastery due to its uniqueness. It was built in the 1650s and the St Sergius of Radonezh’s Church was opened on the middle tier in the mid-17th century, although it was originally dedicated to the Trinity. The belfry's 35-tonne Great Bladgovestny Bell fell in 1941 and was only restored and returned in 2003. Attached to the belfry is a large refectory and the Transfiguration Church, both of which were built on the orders of Tsar Alexis in the 1650s.  

To the left of the belfry is another, smaller, refectory which is attached to the Trinity Gate-Church, which was also constructed in the 1650s on the orders of Tsar Alexis who made it his own family church. The church is elaborately decorated with colourful trims and underneath the archway is a beautiful 19th century fresco.

Nativity of Virgin Mary Cathedral

The Nativity of Virgin Mary Cathedral is the oldest building in the monastery and among the oldest buildings in the Moscow Region. It was built between 1404 and 1405 during the lifetime of St Sabbas and using the funds of Prince Yury of Zvenigorod. The white-stone cathedral is a standard four-pillar design with a single golden dome. After the death of St Sabbas he was interred in the cathedral and a new altar dedicated to him was added.

Under the reign of Tsar Alexis the cathedral was decorated with frescoes by Stepan Ryazanets, some of which remain today. Tsar Alexis also presented the cathedral with a five-tier iconostasis, the top row of icons have been preserved.

Tsaritsa's Chambers

The Nativity of Virgin Mary Cathedral is located between the Tsaritsa's Chambers of the left and the Palace of Tsar Alexis on the right. The Tsaritsa's Chambers were built in the mid-17th century for the wife of Tsar Alexey - Tsaritsa Maria Ilinichna Miloskavskaya. The design of the building is influenced by the ancient Russian architectural style. Is prettier than the Tsar's chambers opposite, being red in colour with elaborately decorated window frames and entrance.

At present the Tsaritsa's Chambers houses the Zvenigorod Historical, Architectural and Art Museum. Among its displays is an accurate recreation of the interior of a noble lady's chambers including furniture, decorations and a decorated tiled oven, and an exhibition on the history of Zvenigorod and the monastery.

Palace of Tsar Alexis

The Palace of Tsar Alexis was built in the 1650s and is now one of the best surviving examples of non-religious architecture of that era. It was built especially for Tsar Alexis who often visited the monastery on religious pilgrimages. Its most striking feature is its pretty row of nine chimney spouts which resemble towers.

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Frequently Asked Questions

My travel plans have been canceled and the charges on my card have not been removed. What are my options? Working directly with the merchant is often the fastest way to resolve your dispute. Many travel providers are changing their policies to be more flexible due to recent travel restrictions, with some allowing you to change or cancel travel plans at no fee. For more information on your options, visit our Disputes Support Center .

Because of the coronavirus (COVID-19) situation, I filed a dispute on a travel charge. What happens now? It can take more than 50 days for Capital One to resolve a dispute with the merchant. If the merchant rejects the dispute, responsibility for the disputed amount is based primarily on the merchant’s policies and terms concerning refunds or cancellations. For example, if you purchased a non-refundable airline ticket, the airline’s policy might permit you to pay a cancellation fee in order to apply the remaining balance to a future flight. In that situation, you would likely be responsible for the disputed amount. If you are responsible, we will remove the temporary credit, and the original charge will be re-applied to your account. So what can you do if your credit is removed? We encourage you to reach back out to the merchant directly to see if they can help. For links to specific travel providers and more information on your options, visit our Disputes Support Center .

I lost my dispute and am not happy with the outcome. What should I do?  If you lost your dispute, it is likely because the merchant declined the dispute per their terms and conditions. When that happens, we re-apply the disputed charge to your account and send a letter with details on why the merchant declined your dispute. After the charge has been re-applied to your account, Capital One ends the investigation and closes the case. If you would like to respond with new information, look to the letter we send you for instructions on whether you can continue your dispute. You can always reach out to the merchant directly to see what other options they have for you. Please visit our Disputes Support Center for more information and tips on working with merchants.

What if I have upcoming travel booked through Capital One Travel? If you booked travel through Capital One Travel before 7 am ET on August 26, 2021, we recommend starting with this Capital One guide for canceling and rebooking travel . You’ll get answers to basic questions and find details about how to request cancellations and make modifications, fee waivers and more. Many airlines will now allow you to self-service on their websites, even if you didn’t book your flight with them directly. If your trip is more than 3 days away and you want to cancel your flights, first try canceling online with our self-service site. You can sign in here and select the trip from your active reservations. Scroll down to your itinerary and check your current cancellation options—if you’re eligible, follow the instructions to request a cancellation online. Starting in September 2021, we’re rolling out a new Capital One Travel booking experience. To manage travel booked through the new Capital One Travel, sign in here .

Does my card have travel insurance? All our Capital One card benefits are available on our website . Some cards may have additional trip cancellation/interruption insurance through Visa or Mastercard, which may reimburse cardholders for unused, non-refundable portions of their purchase if the trip is cancelled or interrupted as the result of a covered accident or sickness of an immediate family member. We recommend you contact Visa or Mastercard directly.

Can I currently book travel with Capital One? We encourage customers to review health and travel advisories issued by the Centers for Disease Control & Prevention (CDC), other government authorities and the World Health Organization, prior to booking any new trips. Starting on August 26, 2021, you will temporarily be unable to make new reservations through Capital One Travel while we work on some improvements—unless you have an existing flight credit. While we make upgrades, you can also book travel on another site and redeem your rewards to cover the purchase. For more information on the transition, please refer to this article .  For more detailed information about COVID-19 and country-specific travel restrictions, please visit the CDC at cdc.gov .

Last Updated 9/9/2021

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